Credit-card debt of AED 240k — what happens if I cannot pay?

Standard timeline: (1) 60-90 days late: collection agency calls, possible travel ban filed; (2) 120+ days: civil claim at Dubai Courts; (3) judgment in 4-6 months, often default if uncontested; (4) execution including bank-account attachment, salary attachment (up to 25% of net salary), and potential criminal complaint if any cheques were submitted as security. Federal Decree-Law 51 of 2023 (insolvency for individuals) is now active and offers a court-supervised debt restructuring with creditor moratorium — your AED 240k is well within the threshold for it. Engage counsel to file for protection before the criminal-complaint stage.